this problem has dogged our economy over the last few years. no one wants us to go back to the 110% mortgages that we had during the boom times, but we need to make available to young people the chance of earning a decent salary to be able to buy a decent flat or house with a mortgage that does not require a massive deposit. that has not been possible for people in recent years, and i think that the bank of england move on the funding for lending scheme-£80 billion-is now feeding through to the mortgage market and making available lower mortgages at a decent long-term rate. that is very important for our market. >> further to the prime minister's rather acerbic exchge